If you are a frequent traveler, you are likely always on the lookout for ways to save money on your trips. One way to do this is by using a credit card that offers exclusive travel perks. The OCBC 90°N Card is one such card that offers a range of benefits for travelers. In this article, we will provide an overview of the OCBC 90°N Card and its exclusive travel perks.
The OCBC 90°N Card is a travel credit card that allows you to earn air miles, cash rebates, and other rewards. You can earn 1.3 miles for every S$1 spent in SGD and 2.1 miles for every S$1 spent in foreign currency. The miles you earn never expire, so you can save them up for your next big trip. In addition to miles, you can also earn cash rebates on your purchases.
If you are interested in applying for the OCBC 90°N Card, you will need to meet certain eligibility requirements. The card has a minimum income requirement of S$30,000 per annum and an annual fee of S$192.50. However, the annual fee is waived for the first year for customers who sign up between 15 October 2021 and 31 January 2022. In the next section, we will discuss the spending and fees associated with the card.
Key Takeaways
- The OCBC 90°N Card is a travel credit card that offers exclusive travel perks, including air miles and cash rebates.
- To be eligible for the card, you must meet certain income requirements and pay an annual fee.
- The card offers competitive rates for overseas spending and can be a great option for frequent travelers.
Overview of OCBC 90°N Card
If you’re a frequent traveller, the OCBC 90°N Card is a great option to consider. This travel credit card, available on both the Mastercard and Visa networks, offers a competitive rewards program that allows you to earn miles on your everyday spending.
Key Features
The OCBC 90°N Card comes with a range of features that make it an attractive option for frequent travellers. Here are some of the key features:
- Annual fee waiver: The annual fee of $192.60 is waived for the first two years, making it a great option for those who want to try out the card before committing to paying the fee.
- Earn rates: With the OCBC 90°N Card, you can earn up to 1.3 90°N Miles for every $1 spent on your card. You can also earn bonus 90°N Miles when you spend on eligible categories such as overseas spend, online retail, food delivery, and groceries.
- Recurring payments: Setting up recurring payments on your OCBC 90°N Card can help you enjoy discounted admin fees.
Benefits and Rewards
The OCBC 90°N Card offers a range of benefits and rewards that make it an attractive option for frequent travellers. Here are some of the benefits and rewards you can enjoy:
- KrisFlyer miles: You can convert your 90°N Miles to KrisFlyer miles, which can be used to redeem flights, upgrades, and other travel-related expenses.
- Complimentary lounge access: With the OCBC 90°N Card, you can enjoy complimentary access to over 100 airport lounges worldwide.
- Travel insurance: The OCBC 90°N Card comes with travel insurance coverage of up to $500,000 for you and your family when you charge your travel expenses to your card.
Earning Potential
The OCBC 90°N Card offers a competitive rewards program that allows you to earn miles on your everyday spending. Here’s a breakdown of the earning potential:
- Local spend: You can earn up to 1.3 90°N Miles for every $1 spent on your card.
- Overseas spend: You can earn up to 4 90°N Miles for every $1 spent on your card in foreign currency.
- SGD spend: You can earn up to 1 90°N Mile for every $1 spent on your card in SGD.
Overall, the OCBC 90°N Card is a great option for frequent travellers who want to earn miles on their everyday spending. With its competitive rewards program and range of benefits and rewards, it’s definitely worth considering if you’re looking for a travel credit card.
Exclusive Travel Perks
If you’re a frequent traveller, you’ll know that every little bit counts. With the OCBC 90°N Card, you’ll be able to enjoy exclusive travel perks that can help you save money and make your travels more comfortable.
Travel$ and Redemption
One of the most exciting features of the OCBC 90°N Card is the Travel$ rewards programme. Every time you use your card to make a purchase, you’ll earn Travel$ that can be redeemed for a variety of travel-related expenses such as flights, hotels, and car rentals. You can also use your Travel$ to offset your travel expenses when you book through the Travel with OCBC portal.
Travel Partners and Hotel Bookings
As an OCBC 90°N Cardholder, you’ll have access to exclusive deals and discounts when you book your travel through Expedia or Agoda. These travel partners offer a wide range of options for flights, hotels, and car rentals, so you’ll be able to find the perfect travel package to suit your needs.
Airport Lounge Access
One of the most luxurious perks of the OCBC 90°N Card is the complimentary airport lounge access that comes with it. You’ll be able to relax in style before your flight, with access to over 80 airport lounges worldwide. Some of the lounges you can access include the SATS Premier Lounge at Changi Airport Terminal 1, and the Plaza Premium Lounge at Hong Kong International Airport.
With all of these exclusive travel perks, the OCBC 90°N Card is the perfect travel companion for any frequent traveller. So why wait? Apply for your card today and start enjoying all the benefits it has to offer.
Spending and Fees
Local and Overseas Spend
The OCBC 90°N Card allows you to earn miles with no expiry on every spend. You can earn 1.3 miles for every S$1 spent locally and 2.1 miles for every S$1 spent overseas. This means you can earn miles faster when you spend overseas.
Fees and Charges
When it comes to fees and charges, the OCBC 90°N Card has a S$54 annual fee, which is waived for the first year for both principal and supplementary cards. Cardholders can opt to “upgrade” their annual fee by paying an extra S$1,080, for which they’ll receive 50,000 miles (awarded as 90°N Miles).
In addition, there is a foreign currency transaction fee (FCY fee) of 2.8% for every overseas transaction made in a foreign currency. This fee is charged on the converted amount and includes a conversion fee of 1.8%.
It’s important to note that the FCY fee and conversion fee can add up quickly, so it’s best to use a card with no foreign transaction fees when traveling overseas.
Overall, the OCBC 90°N Card is a great way to earn miles on your everyday spend, especially when you spend overseas. However, it’s important to keep in mind the fees and charges that come with using the card, especially when making transactions in a foreign currency.
Application and Eligibility
If you are a Singaporean or Singapore PR above 21 years old with an annual income of at least S$30,000 or a foreigner above 21 years old with an annual income of at least S$45,000, you can apply for the OCBC 90°N Card and start earning miles from your spend.
Income Requirement
To be eligible for the OCBC 90°N Card, you must meet the minimum income requirement of S$30,000 for Singaporeans or Singapore PRs and S$45,000 for foreigners. This income requirement ensures that you have the financial means to use the card responsibly and pay off your balance on time.
Terms and Conditions
Before applying for the OCBC 90°N Card, it is important to review the terms and conditions governing the card. These terms and conditions outline the fees, charges, and other important details associated with the card, including the eligibility criteria.
If you are a new OCBC Cardmember and have applied for an Eligible Card during the Promotion Period via OCBC.com channels, you will qualify for the Promotion. You will need to spend at least S$500 between 1-30 September 2023, and another S$500 between 1-30 October 2023, within a 60-day period of your Eligible Card being approved.
In addition, it is important to note that local spend is defined as card transactions posted in Singapore dollars, and overseas spend is defined as card transactions posted in foreign currencies. Certain transactions, such as local and overseas cash withdrawals, balance transfers, and bill payments, are not eligible for earning Travel$.
Overall, the OCBC 90°N Card is a great option for those who want to earn miles and enjoy travel benefits. With its competitive rewards program and easy-to-understand terms and conditions, it is a great choice for frequent travellers and those who want to make the most of their spending.
Comparative Analysis
OCBC 90°N Card Versus Other Miles Cards
If you are looking for a miles card in Singapore, you may be wondering how the OCBC 90°N Card stacks up against other options. Here is a brief comparative analysis of the OCBC 90°N Card versus other popular miles cards.
DBS Altitude
The DBS Altitude card is a popular miles card in Singapore. It offers 1.2 miles per $1 spent locally and 2 miles per $1 spent overseas. While the OCBC 90°N Card offers a higher earn rate of 1.3 miles per $1 spent locally and 2.1 miles per $1 spent overseas, the DBS Altitude card has a wider range of partners for miles redemption.
UOB PRVI Miles
The UOB PRVI Miles card is another popular miles card in Singapore. It offers 1.4 miles per $1 spent locally and 2.4 miles per $1 spent overseas. While the earn rate of the UOB PRVI Miles card is higher than that of the OCBC 90°N Card, the latter offers more flexibility in terms of miles redemption.
Credit Cards in General
When compared to other credit cards, miles cards tend to offer better value for money for frequent travellers. However, it is important to note that miles cards often come with higher annual fees and minimum spend requirements.
Comparison and Review
When comparing and reviewing miles cards, it is important to consider your personal spending habits and travel preferences. While the OCBC 90°N Card may not be the best option for everyone, it offers competitive earn rates and flexible redemption options.
In conclusion, the OCBC 90°N Card is a solid option for those who are looking for a miles card in Singapore. While it may not offer the highest earn rates or the widest range of partners for miles redemption, it is a good all-round card that offers flexibility and value for money.
Additional Benefits and Tips
Lifestyle and Everyday Spend
The OCBC 90°N Card offers an array of benefits and rewards for your everyday spending. You can earn up to 1.3 Miles for every S$1 spent in SGD and 2.1 Miles for every S$1 spent in foreign currency. This means that you can earn miles on your daily groceries, Grab rides, food delivery, and even your Netflix and Spotify subscriptions.
Moreover, the OCBC 90°N Card also offers cash rebates on your everyday spend. You can earn unlimited cash rebates of up to 1.2% on your local spend and 2.1% on your overseas spend. This means that you can earn cash rebates on your Deliveroo, Foodpanda, Oddle, Amazon, Lazada, Shopee, and Taobao purchases.
Maximising Mile Earning
To maximise your mile earning potential, it is recommended that you use the OCBC 90°N Card for your overseas spend, groceries, and online purchases. From now till 31 Jan 2022, you can earn 4 mpd on a wide variety of bonus categories with the new OCBC 90°N Visa. This means that you can earn up to 4 Miles for every S$1 spent on your overseas spend, groceries, and online purchases.
Additionally, the OCBC 90°N Card offers a range of travel benefits such as complimentary airport lounge access, travel insurance coverage, and exclusive hotel deals. You can also redeem your miles for air miles, cash rebates, and more.
Overall, the OCBC 90°N Card is a great option for those looking to earn miles and cash rebates on their everyday spend. With its attractive rewards program and range of benefits, you can enjoy exciting adventures while earning rewards on your daily spending.
Frequently Asked Questions
What are the exclusive benefits of using an OCBC 90N card for Expedia bookings?
By using your OCBC 90N card to book your travel on Expedia, you can earn up to 7 OCBC$ for every $1 spent on eligible bookings. Additionally, you can enjoy exclusive discounts on hotel bookings made through Expedia.
How can one access airport lounges with the OCBC 90N card?
OCBC 90N cardholders can enjoy complimentary access to selected airport lounges worldwide, including Plaza Premium Lounges in Singapore, Malaysia, and Hong Kong. To access the lounges, simply present your OCBC 90N card and boarding pass.
What promotions are currently available for OCBC 90N cardholders on travel bookings?
OCBC 90N cardholders can enjoy exclusive travel deals and promotions, such as discounted hotel bookings, flight discounts, and cashback offers. These promotions are regularly updated, so be sure to check the OCBC website or mobile app for the latest offers.
How does one convert OCBC 90N miles, and what are the associated fees?
OCBC 90N miles can be converted into air miles or redeemed for other rewards such as cash rebates and vouchers. To convert your miles, simply log in to your OCBC online banking account and follow the instructions. There are no conversion fees for air miles, but a conversion fee of $25 applies for cash rebates and vouchers.
What’s the timeframe to meet the qualifying spend for earning OCBC 90N rewards?
To earn OCBC 90N rewards, you must meet the qualifying spend of $10,000 within the first 12 months of card membership. Once you have met the qualifying spend, you will earn 1.3 OCBC$ for every $1 spent in SGD and 2.1 OCBC$ for every $1 spent in foreign currency.
Are there any methods to waive the annual fee for the OCBC 90N card?
The annual fee for the OCBC 90N card is $192.60, but you can get it waived by spending $10,000 within the first 12 months of card membership. Additionally, the annual fee is waived for the first year of card membership.